Budgeting methods
One of the first things to do when planning out your future is to figure out where you are now; how much are your outgoings and what income can you gather?

There are various ways of budgeting, and often just a sheet of paper with two columns for income and expenses will do, although other organisation tools such as online budget planner calculators, stand alone programs and excel worksheet templates can help make the outcome look prettier.
- Budget Planner Calculator - quick and easy input online without any personal information needed, along with a print out feature
- Microsoft template for budget planning with excel
- Personal Budget Excel Spreadsheet - simple template, no macros or installation
- MoneyExpert help on budget planning
- UK Gov official guide to budgeting
- Consumer Credit Counseling Service guide to budgeting
- Free online personal finance manager, Expensr.
- Social payment service, Buxfer
- Online budgeting social network, Wesabe
